The single largest target-date fund in America has not changed its playbook in a decade, yet rivals with flashier strategies ...

A new analysis from Vanguard suggests that while the US retirement system has made notable strides in recent years, a significant share of Americans are still at risk of falling short later in life – ...

More Americans are making a move financial planners usually warn against.

New research found participants with flexibility were 35% more likely to remain in-plan three years after retirement and held larger average balances than those without. With more than 4 million ...

A preview of ‘How America Saves 2026’ revealed strong plan design and participant behavioral trends drove record savings last year. Plan design and participant behavior trends that worked well for ...

Steve Holman has been a leader in Vanguard’s retirement business since 2004. He currently serves as principal and head of Vanguard’s Workplace Solutions Distribution Enablement division, which aims to ...

The average participant account balance increased 13% year over year in 2025, reaching an all-time high of $167,970.

Americans set aside an all-time high portion of their paycheck in their 401(k) accounts last year, according to Vanguard's "How America Saves 2025" report. On average, Americans saved 7.7% of their ...

Record 6% of Americans tapped 401k savings for hardship withdrawals in 2025, up from 4.8% in 2024, as financial stress forces workers to raid nest eggs.

Strong markets and steady savings habits are pushing more American workers into 401(k) millionaire status, even as a growing share taps those same accounts to cover financial emergencies – a tension ...

Without auto-investment options, savers can get overwhelmed and become paralyzed.

Still, many workers are diligently saving and investing for retirement. Among participants with defined contribution (DC) plans with Vanguard as the recordkeeper, an estimated 14% contributed the ...